Currencies
A coin is named by its token symbol: USDT_TRC20 is USDT on Tron,
USDT_BEP20 is USDT on BNB Smart Chain, BTC is Bitcoin. Use the symbol in
a payment's token or tokens (Create a payment);
case does not matter.
What your customers may pay with is the list below, narrowed to the tokens you
accept (accepted tokens).
GET /v1/tokens returns that list for your
key's mode, with each token's network fee and minimum right now.
Live mode
| Token | Network (chain) |
Lowest minimum | Final after |
|---|---|---|---|
USDT_TRC20 |
Tron (tron) |
$1 | 20 blocks (about 1 min) |
TRX |
Tron (tron) |
$1 | 20 blocks (about 1 min) |
ETH |
Ethereum (ethereum) |
$5 | 12 blocks (about 3 min) |
USDT_ERC20 |
Ethereum (ethereum) |
$5 | 12 blocks (about 3 min) |
USDC_ERC20 |
Ethereum (ethereum) |
$5 | 12 blocks (about 3 min) |
BNB |
BNB Smart Chain (bsc) |
$1 | 12 blocks (about 1 min) |
USDT_BEP20 |
BNB Smart Chain (bsc) |
$1 | 12 blocks (about 1 min) |
USDC_BEP20 |
BNB Smart Chain (bsc) |
$1 | 12 blocks (about 1 min) |
BTC |
Bitcoin (bitcoin) |
$10 | 3 blocks (30 to 60 min) |
LTC |
Litecoin (litecoin) |
$2 | 6 blocks (about 15 min) |
DOGE |
Dogecoin (dogecoin) |
$1 | 6 blocks (about 6 min) |
XRP |
XRP Ledger (xrp) |
$1 | 1 ledger (seconds) |
"Final after" is when a deposit counts as final: the payment moves from
detecting to confirmed once its deposits have that many confirmations.
Prices. Stablecoins (USDT_*, USDC_*) are priced at exactly $1. Every
other token is priced from live market data when the coin is set, and that
rate (rate_locked) holds for the payment's 15 minutes.
Minimums. The minimums above are each token's lowest. Unless your
customers pay the fees, a payment must also be worth twice the token's network
fee, which moves with the network. min_usd in GET /v1/tokens is the
minimum right now, and a payment under it is refused with
400 minimum payment in … is $… right now (network fees). See
Fees and settlement.
Choosing. Stablecoins on BNB Smart Chain cost cents to move. USDT_TRC20
is what most customers hold, but every Tron token transfer burns energy, so
its network fee is a few dollars. Ethereum's fee varies the most with how busy
the network is. The customer also pays their own wallet's fee to send.
XRP payments must carry their destination_tag
(XRP).
Test mode
Test mode offers the same coins as live, DOGE included, with the same
minimums, network fees, fee notes, network names and confirmations, so your
integration moves to live unchanged.
No coins move in test mode, and no faucet is needed: a test payment is paid by the outcome you simulate, and payitgo plays its deposits and confirmations in seconds.
Test deposit addresses on Tron, Ethereum, BNB Smart Chain, Dogecoin and XRP
look like live ones. Bitcoin and Litecoin ones are in the testnets' format
(they start with m or n), which real wallets refuse. Nothing watches a
test address: never send real coins to one
(Test mode).